1. Apply for a credit card: It is difficult for Baixin users to apply for a loan. You can choose to apply for a credit card and develop good credit habits, so you can get rid of the identity of a white credit account, so it is easy to apply for a loan.

2. Choose the right loan: As a white credit account, it is difficult for banks to apply for loans. You can try some financial institutions with lower thresholds, such as formal microfinance companies and online lending platforms, which is conducive to the passage of loan applications.

3. Mortgage loan: White letter users can apply for a loan by mortgage if they want to get a loan, and they can also get a loan by using their own house, car or other assets with high value as collateral.

What about the loan for white households with credit information?

A natural person with full capacity for civil conduct must be at least 18 years old to apply for a loan.

1. First, apply for a loan from the bank;

2. Provide information required by me and the bank, such as ID card, work address, education background, personal financial certificate, etc.

3. The bank will review the information you provide;

4. Approve the quota and spread the funds through the bank.

Note: Because the credit bureau doesn't know your repayment ability and credit situation, when applying for a loan, please ask the applicant to provide sufficient and detailed information to prove that he has good credit and the ability to repay in full and on time, which can greatly improve the chances of successful bidding.

How to get a loan from a credit checking account?

Credit information is blank, which means that when the bank wants to grant you a loan, it is impossible to judge your integrity. In order to control risks, many banking institutions do not lend to white families.

1. White families can try to apply for a credit card first. Applying for a credit card requires a stable job, and pure white households can also apply. Users can continue to use the credit card for more than half a year, and repay in full and on time before the due repayment date, so as to maintain a good repayment record and a good personal credit record, and then apply for a loan more easily.

Generally speaking, houses and cars placed in front of lending institutions can activate wealth and help you get a loan amount of about 70% of the estimated value. If you have assets in your name, choose the form of mortgage loan or policy loan, or you can bypass the threshold of credit white households. Relatively speaking, the endorsement of valuable assets is a very important guarantee for repayment. Only the amount of real estate mortgage is generally large; Car mortgage can only choose commercial banks or small loan companies, and the interest rate is higher than that of state-owned banks; The policy loan will make certain requirements for your insurance payment duration and policy type. Different products have different characteristics.